How to Get Your Free and Accurate Credit Report
If the company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.
Make sure you note down the dates when you pay your bills and know who and how much you owe by having full and updated records of your credit accounts.
This report is built upon information that is sent to the credit reporting agencies Equifax, Experian and TransUnion. You can get a free report from each of the three bureaus once a year from annualcreditreport. Identity thieves obtain their victims’ personal information in various ways. It is your right to request for one at least once per year.
Ensure your privacy — Make sure that your counseling agency has high-level safe-guards in place to protect your private information, such as your address and credit card information. All the nationwide consumer reporting companies like TransUnion, Equifax, Experian, and others provide you with a free copy of your credit report once every 12 months, but you have to ask for it.
Federal consumer protection laws are mainly enforced by the Federal Trade Commission and the U. As you read many articles about debt workout and debt consolidation, there is not certain difference between two types of services. All CCC’s are governedy the FTC and anyone can own one. Counselors whose primary source of income comes from the lenders should cause you to ask yourself who are they really working for, you or the lender.
According to the Federal Trade Commission, one in six American citizens can expect to be victims of identity theft this year alone. There are many online sites offering free credit reports but not all of them are good. Find out early if your client is only an “authorized user” per the FTC site.